Cheap Florida Car Insurance

Find affordable auto insurance that works for you in Florida. Compare quotes from over 100 top companies.

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.


 

Affordable insurance companies in Florida

What's the cheapest car insurance in Florida?
Rank Company Name Avg. Annual Premium
1 USAA $1,014
2 Allied $1,790
3 State Farm $1,834
4 Travelers $1,907
5 Auto-Owners $2,128
6 21st Century $2,360
7 Hanover $2,484
8 Esurance $2,611
9 Mercury $2,835
10 Progressive $3,228

Compare quotes from dozens of insurance companies in Florida by entering your ZIP code below.

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Cheap auto insurance for good drivers in Florida

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor $ Savings % Savings
No Traffic Tickets $630 27.29%
No Accidents $392 16.96%
Good Credit $1,395 47.56%

 

Cheap auto insurance for young drivers in Florida

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.

Age Annual Rate with Parents Annual Rate Alone
16 $4,471 $7,601
17 $4,156 $6,744
18 $3,796 $5,627
19 $3,391 $4,375

 

Cheap auto insurance for bad drivers in Florida

Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating Factor Annual Rate % Increase
At-Fault Accident $3,178 37.64%
DUI $3,394 46.99%
Speeding Violation $2,888 25.08%
Bad Credit $4,329 47.56%

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Top rated car insurance companies in Florida

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' financial strength and claims satisfaction ratings to better understand the level of service they might provide.  The below ratings are sourced from J.D. Power and AM Best, and The Zebra's own auto insurance customer satisfaction survey. 

 

TOP FLORIDA AUTO INSURANCE COMPANIES
Insurance Company Claims Satisfaction (J.D. Power) Customer Satisfaction (J.D. Power) Financial Strength (AM Best) Customer Satisfaction (The Zebra)
AAA Below average Average Excellent 4.2/5
Allstate Average Average Superior 4.3/5
Amica Excellent Excellent Superior N/A
GEICO Average Average Superior 4.4/5
Kemper Poor N/A Fair 4.1/5
Liberty Mutual Average Above average Good 4.2/5
Progressive Below average Below average Excellent 4.3/5
State Farm Above average Above average Superior 4.5/5
Travelers Average Below average Superior 4.3/5
USAA Excellent Excellent Superior 4.6/5

 

Florida auto insurance laws

State minimum insurance requirements in Florida are as follows:

  • Property damage liability (PDL) - $10,000
  • Personal injury protection (PIP) - $10,000

Optional car insurance coverages in Florida — varying by carrier — include:

  • Bodily injury liability
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.

However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.

Read more about insurance requirements in the state of Florida.

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How tickets change auto insurance rates in Florida

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.

 

Violation Avg. Annual Rate Rate Increase (%) Rate Increase ($)
Hit and Run $3,507 52% $1,198
Refused Breathalyzer/Chemical Test $3,165 37% $856
DUI $3,394 47% $1,085
Racing $3,486 51% $1,177
Reckless Driving $3,507 52% $1,198
Driving with a Suspended License $3,507 52% $1,198
At-Fault Accident $3,178 38% $869
Driving with an Open Container $2,906 26% $597
Operating a Vehicle Without Permission $2,927 27% $618
Passing a School Bus $2,906 26% $597
Improper Passing $2,906 26% $597
Following Too Closely $2,882 25% $574
Speeding $2,888 25% $579
Failure to Stop at a Red Light $2,906 26% $597
Illegal Turn $2,906 26% $597
Driving Wrong Way/Wrong Lane $2,906 26% $597
Failure to Yield $2,906 26% $597
Speeding in a School Zone $2,888 25% $579
Driving Too Slowly $2,888 25% $579
Distracted Driving $2,882 25% $574
Driving with Expired Registration $2,560 11% $252
Failure to Show Documents $2,560 11% $252
Not-at-Fault Accident $2,493 8% $184
Failure to Use Child Safety Restraint $2,332 1% $24
Failure to Wear a Seat Belt $2,332 1% $24
Driving Without Lights $2,309 0% $0

 

Florida car insurance FAQs

Who has the cheapest car insurance in Florida?

Our data shows USAA is the cheapest insurance company in Florida at $507 for a six-month policy, or $84/month. The best way to find the cheapest car insurance in Florida is to compare auto insurance quotes from as many companies as possible. Use our comparison tool to see rates in Florida for your driving profile.

Why is car insurance so expensive in Florida?

Florida’s average insurance premiums are 81% above the national average. This is mainly due to their number of uninsured drivers, higher-risk drivers, poor weather, and mandatory insurance laws. Check out our in-depth article on how to find cheap rates in Florida.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.

Rank City Avg. Annual Premium
1 West Palm Beach $3,187
2 Hialeah $3,179
3 Miami $3,075
4 Miami Gardens $3,048
5 Tampa $2,990
6 Coral Springs $2,981
7 Hollywood $2,901
8 Pompano Beach $2,900
9 Fort Lauderdale $2,786
10 Miramar $2,784
11 Pembroke Pines $2,705
12 St. Petersburg $2,703
13 Clearwater $2,685
14 Davie $2,648
15 Port St. Lucie $2,386
16 Orlando $2,301
17 Jacksonville $2,245
18 Lakeland $2,199
19 Palm Bay $2,084
20 Tallahassee $2,072
21 Cape Coral $2,026
22 Gainesville $1,839

 

Recent Questions:

My coverage was cancelled and I got into an accident

Although you do live in a no-fault state, this only applies to any bodily injury claims that could have occurred - not physical damage to any vehicles. Unfortunately, because you didn't have liability insurance at the time of the accident, you are out of options.
Mar 26, 2018 Orlando, Florida

What happens if you total a rental car?

The answer depends on your insurance coverage. If you do not have insurance you will likely be responsible for the cost of the vehicle.
Dec 16, 2018 Tampa, FL

Can a townhome be covered under an HO-6 insurance policy?

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6.
May 9, 2019 Miramar, FL

Can I get my premium for car insurance when I never got the car?

Since the policy was active from August 31 through September 22, your son will be responsible to pay the premium on the policy. Every company has different rules and guidelines so there may be a fee for canceling the policy before the term is over.
Oct 25, 2018 Jacksonville, FL

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.